Protecting your privacy is important to the
West Virginia Housing Development Fund.

The WVHDF is a public body corporate organized pursuant to West Virginia Code Section 31-18-1 et seq. with the authority to originate, acquire and service loans for the purposes set forth in W. Va. Code Section 31-18-6.

Important Notice About Customer Information
The WVHDF values the trust and confidence you have placed in us as your mortgage service provider. We want you to understand what information we collect and how we use it. We believe every customer's personal information should be handled with care and confidentiality. To ensure that we live up to your trust, we have defined the procedures we will use to protect customer information. We also want you to understand how we obtain and use information about our customers.

WVHDF Consumer Privacy Notice
Our Consumer Privacy Notice tells you the kind of information we collect, with whom we share it, and how it is protected. The Notice applies to consumers who obtain our financial products or services. The examples that you will find throughout this Notice are for purposes of illustration only and should not be considered a complete description of our information practices.

Categories of Information We May Collect
We may collect the following categories of information about you:

• Information we receive from you on applications, personal financial statements, and other oral, written, or electronic communications, such as your name, address, social security number, assets and income;
• Information about your transactions with us, such as your account balance and payment history;
• Information we receive from third parties, including persons providing services in connection with your transactions and credit bureaus, such as your credit history; and
• Information we obtain from others to verify information provided by you, such as your employment history and credit or other relationships with third parties.

Disclosure of Information To Third Parties
We do not disclose information about you to third parties except as required or permitted by law. For example, we may disclose information about you to third parties to assist us in servicing your loan(s) to government entities in response to subpoenas, and to credit bureaus. In addition, we may disclose the information we collect about you to companies that perform marketing services on our behalf and to financial institutions for the purposes of jointly offering financial products and services to you, such as automated mortgage payments or mortgage life insurance.

If you close your accounts or your relationship with the WVHDF becomes inactive, we will continue to treat the information we have collected about you in accordance with this notice.

Our Security Procedures
We maintain physical, electronic, and procedural safeguards that comply with federal guidelines to safeguard consumer information. Our employees are bound by laws, including W. Va. Code Section 31-18-27, and policies limiting access to consumer information only for legitimate business purposes and to keep information about you confidential.

Other Privacy Protections
You may have other privacy protections under some state laws. We will comply with applicable state and federal laws regarding your personal information maintained by us.

Our Commitment
We will continue to maintain our dedication to protecting your privacy. Should you have questions concerning our Notice, you may call 1-800-933-1272 between the hours of 8:30 - 4:30 weekdays or email us at servicing@wvhdf.com.